Date Received: 2018-10-23T00:00:00.000
Product: Credit card debt
Issue: Attempts to collect debt not owed
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: XXXX stated I opened an account with XXXX/XXXX XXXX XXXX on XX/XX/2015. i never opened an account with XXXX XXXX XXXX or XXXX on XX/XX/2015. I have asked this company to provide signed application, copy of drivers license and they have refused to do so. This is identity thief and I want this fraudulent account remove from my credit file. I have also asked Equifax to remove this account and investigate this account and they refused to do so. I’m not sure why Equifax is allowing a fraudulent company report fraudulent account to consumer credit file. The account number is XXXX per XXXX please send me copies of where I signed credit card receipts since XXXX and XXXX XXXX is saying I owe {$610.00}. The Fair Credit Reporting Act, 15 U.S.C. 1681 is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Equifax is not following The Fair Credit Reporting Act and I want something done about it.
Company: EQUIFAX, INC.
State/Zip: GA 302XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3054452
The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.
Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.
In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.
